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Investing inPrecious MetalsCoins. Bars. Digital.
Contents4More Than Just Metal7Why Invest in Precious Metals?8Investing in Gold10Investing in Silver12Investing in Platinum14Capital Gains Tax (CGT) Explained14VAT on Precious Metals Explained16Invest in your future18Why Invest with The Royal Mint?19Bullion Coins20Bullion Bars21Digital Precious Metals22Gold for Pensions23Safe Storage24Buy-back Service25Account Management26Live Pricing27Secure Delivery28Getting Started29Commemorative Coins30Customer Testimonials
More ThanJust MetalThe Royal Mint is one of the oldestand most prestigious organisationsin the world. For 1,100 years wehave produced coins for monarchsand governments – coins that aretrusted and respected whereverthey are presented. Governed bygreat minds like Sir Isaac Newtonand home to some of the finestengravers to have ever worked onBritish coinage, our reputation forquality, accuracy and integrity hasbeen earned over centuries.4This unrivalled legacy underpins ourbullion offering and today The RoyalMint combines modern productiontechniques with time-honouredquality assurance in equal measure.Our coins are verified by the Trial ofthe Pyx, an exacting quality controlprocess dating back to the thirteenthcentury, which today draws on thelatest in assay technology. As acustomer you can be sure that everyitem we produce meets the exactspecification we promise, with ourbullion coins and bars available in999.9 fine gold, 999.5 fine platinumand both 999.9 and 999 fine silver.
No matter whether you’re savingfor retirement, a deposit for ahouse or just putting somethingaside for a rainy day, bullion canbe included as part of a balancedinvestment portfolio. As themanufacturer of UK bullion coins,The Royal Mint is uniquely placed tooffer an exceptional service to ourcustomers. Invest with confidenceknowing that, thanks to theirunrivalled reputation, our bullionbars and coins are a store of wealthtrusted by banks and intermediariesall over the world.Nicola Howell, Chief Commercial Officer5
Why Investin Precious Metals?The three most popular precious metals to invest in are gold, silver and platinum.Gold is so rare that theworld pours more steelin an hour than it haspoured gold in all ofrecorded history.Silver is considered astore of value, but is alsowidely used in industry.You’ll find it in batteriesand solar panel cells forexample.One of the rarestprecious metals, likesilver, platinum is also anindustrial metal. The maindriver for demand is itsuse in the manufacture ofcatalytic convertors.Investing in precious metals can: Generate long-term returns – between 2009 and 2019, the price of gold rosefrom 621 to 1,093 per troy ounce, an increase of 76% Provide a safe haven during times of economic uncertainty Outperform fiat currencies – precious metals are liquid assets with no credit risk Enhance the overall performance of your portfolio – the lack of correlation toother assets means that adding precious metals to your portfolio can reducevolatility and balance risk7
Investingin GoldAn Investment Worth MakingInvesting in gold is an age-oldpractice. Consider this: if you’d bought 55 of gold every month for 18 yearsfrom 2002, you would have over 28,000 of gold by 2020. Comparethat with putting the same amountinto a 3% cash ISA – 15,700 – orsimply setting it aside with no interestat all – 11,880*.When it comes to investing, spreadingrisk helps to avoid overexposure toany one particular asset class. Manyexperts, including the World GoldCouncil suggest putting around 2–10%of your portfolio into a safe haveninvestment such as gold.Why gold? All Royal Mint investment gold is VAT exempt All UK legal tender coins are CGT exempt Gold can mitigate losses in times of market stress***This comparison has been made with a 3% ISA that compounds annually. It is also basedon the LBMA gold price, as fixed on the fifteenth day of each month or the previousbusiness day, and does not take into account premiums or other storage fees that may beassociated with holding gold. **World Gold Council 20198
Our BestsellingGold Products: The Sovereign Signature Gold 1oz Gold Britannia 1g Gold Bar 1oz Gold Bar9
Investingin SilverWhy invest in silver?Silver is more affordable than gold, but it’s also morevolatile, attracting investors looking for short-term gains.Because equivalent weights are worth less than gold,silver can be liquidated to fund a small financial need.Silver has a long history as currency and is widely usedin the manufacture of jewellery and collectables.Demand is also underpinned by a broad range ofindustrial applications.Thanks to its malleability, conductivity and resistanceto corrosion, silver is an important component in thetelecommunications, medical and energy sectors. You’llfind silver in things like mobile phones and the cells insolar panels.10
Our BestsellingSilver Products: 1oz Britannia 2oz Queen’s Beasts 1oz Landmarks of Britain Signature Silver 1oz Lunar11
Investing inPlatinumWhy invest in platinum?While gold and silver need little introduction,platinum is a precious metal you might not beso familiar with. Mined primarily in Canada,Columbia, Peru, Russia and South Africa,platinum is one of the rarest of all preciousmetals. Annual production is around 6% of thatof gold and its natural scarcity is compoundedby a complex refinement process.Thanks to its beautiful silver-blue colour,platinum is a highly sought-after componentin prestige jewellery and it has a wide varietyof industrial uses including: electronics,chemical processing and medical and dentalapplications. As an essential componentin catalytic convertors, platinum plays animportant role in lessening the environmentalimpact of diesel engines.12
Our BestsellingPlatinum Products: Signature Platinum 1oz Queen’s Beasts 100g Platinum Bar 1oz Platinum Bar 1oz Platinum Britannia13
Capital Gains Tax(CGT) ExplainedCapital Gains Tax (CGT) is levied in the UK on the profit made on the disposalof assets. Unlike income tax, only the gain is taxable. The cost of acquiringthe asset is deducted from any calculation, along with your annual exemptionlimit, the amount you’re allowed to receive before CGT becomes applicable.The vast majority of assets, including paintings, antiques, most shares and anyproperty aside from your main residence, are all liable for CGT. But, becausethey’re legal tender, our UK bullion coins are exempt for UK residents.In order to have to pay CGT on the sale of precious metals, a domestic buyersubject to British taxes would need to have made more profit than the annualexemption limit on the sale of all of their assets during the course of thetax year.VAT on PreciousMetals ExplainedSilver and platinum coinsand bars are subject toVAT at the standard rate.However, gold enjoys thesame exemption as otherforms of investment likestocks and shares. Thismeans that gold bulliontransactions are VAT free.14
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Invest in your futureThe Royal Mint offers a number of different ways to invest in gold, silver orplatinum. Designed to suit every budget, these investment opportunities includebullion bars, coins and our digital precious metals programme.BarsWhen it comes to investing in precious metals, gold, silver and platinumbars are probably what most people think of. The most straightforward wayto acquire precious metals, The Royal Mint offers bars in a range of differentsizes from 1g through to 400oz. Larger bars offer greater economies of scale.Available for delivery, bars, along with all of our bullion products, can also bestored at The Vault – our highly secure, on-site storage facility.CoinsOur UK coins are exempt from Capital Gains Tax. Ranges include Britannia andthe 22 carat gold Sovereign, one of the world’s oldest coins still in productiontoday. More aesthetically pleasing than bars, they’re a popular way to invest.Easy to trade, they can be liquidated at any time using The Royal Mint’sbuy-back service.Digital Precious MetalsFrom as little as 20, Digital Precious Metals allows you to invest in part sharesof larger bullion bars which are stored at our secure site.17
Why Invest withThe Royal Mint?When it comes to investing in bullion,where better to place your confidenceand trust than with The Royal Mint.As the home of British coinproduction, we have more than 1,100years of experience with preciousmetals. Purchase with confidence,knowing that our bullion coins andbars are tested to the most rigorousstandards by an independent qualityassurance process. And as legal tender,their weight and purity is guaranteedby Royal Proclamation, approval thatcomes from the British monarch.18Tracking live precious metal prices, weoffer competitive pricing and everytrade you make is completely secure.Take delivery of your investment orstore your bullion coins and bars inThe Vault, our on-site secure storagefacility. Should you choose to sell tous, we deposit your funds directlyinto your Royal Mint Bullion account,ready for you to withdraw or to makeanother purchase.Opening an account online only takesa few minutes, and our customerservices team are on hand to helpevery step of the way should you haveany questions.
CoinsThe SovereignDating back to 1489, the modern Sovereign is struck in22 carat gold. Tightly specified to five decimal places, it isguaranteed by UK law.BritanniaInstantly recognisable to investors around the world,Britannia was the perfect choice to adorn a new bullioncoin launched in 1987.The Royal ArmsA mainstay of British coinage for centuries, the Royal Armsis a majestic symbol of royal authority.The Queen’s BeastsEach coin features a modern interpretation of one of theten heraldic beasts that stood guard at Westminster Abbeyfor Her Majesty The Queen’s coronation in 1953.The Shēngxiào CollectionThe collection is a beautiful fusion of British craftsmanshipand Chinese tradition, and celebrates each animal of theChinese zodiac in turn.The ValiantA modern take on the classic story of St George and thedragon. The action of the design seems to fill the coin,giving it an exciting sense of vibrancy.Gold StandardDesigned in 2016 to mark 200 years since the introductionof the gold standard, this coin is only available as abullion edition.19
Bullion BarsThe Royal Mint offers a variety of gold bars, silver bars and platinum barsacross two ranges: Royal Mint Refinery (RMR) and Britannia.The Royal Mint Refinery– precious metalssince 1852RMR bars epitomise integrity. Onceoperated by N. M. Rothschild andSons, The Royal Mint Refinery was atrusted name that survived until 1968.Today, the brand has been revived todefine a new product range in gold,silver and platinum bullion bars, andeach bar bears the exclusive brandedRMR logo.20Britannia Bullion BarsInstantly recognisable to investorsall over the world, Britannia was theperfect choice when The Royal Mintlaunched a new one ounce goldbullion coin in 1987. Now, Britannia’sstory is captured on beautifully craftedbullion bars. Featuring a new designby Royal Mint designer Jody Clark,each one is stamped with a uniqueserial number, a guarantee of qualityand authenticity.
Digital Precious MetalsThe Royal Mint’s digital preciousmetals programme offers you analternative way to access the preciousmetals market by purchasing partshares in larger gold, silver orplatinum bars from as little as 20.Each part share that you own is clearlyallocated and stored in The Vault,meaning we deal with storage andinsurance, so you don’t have to.More flexible and affordable thanbuying bullion coins or smaller barsoutright, this programme allows youto invest as much or as little as youwant, making it appealing if you’dlike to invest a certain amount eachmonth, while enjoying the economiesof scale offered by larger bars.21
Gold for PensionsWhy hold gold ina pension?How do I hold my goldin a pension?Gold is even more tax efficient aspart of your retirement planning. Taxrelief of up to 45% means 5,000 ofgold could effectively cost as littleas 2,750. And unlike some otherforms of investment, your pensioncan also grow free of Capital GainsTax. Holding gold bullion in yourSelf-Invested Personal Pension (SIPP)or Small Self-Administered Scheme(SSAS) may help you balance yourinvestment portfolio and maximiseyour return.A Self-Invested Personal Pension isa product that allows you to decideyour own investment strategy. Whilea Small Self-Administered Scheme isan occupational pension, usually setup by company directors for a smallnumber of employees.22You must have either a SIPP or SSASto hold gold in a pension. If you’reunsure what type of pension you haveand whether you qualify, please callus to discuss your situation in moredetail. Although please note, we don’tprovide SIPPs or SSASs directly throughThe Royal Mint. You will be requiredto go through a pension provider toaccess this service.
Safe StorageThe Royal Mint is one of the country’s mostsecure sites. Here you’ll find The Vault, ourpurpose-built precious metal storage facility,which is housed behind the same state-of-the-artsecurity systems that are trusted by royalty andthe government to accommodate the productionand storage of UK coinage.Benefits include: Independently audited Fully insured Securely guarded aroundthe clockThe Vault was built to Federal Standard 832 ClassA and is guarded by dedicated security staffaround the clock. Your bullion is held securely– outside of the banking and London ClearingSystem – and can be liquidated at any time.Located in South Wales, The Vault offers secureand convenient storage for your precious metalinvestments.23
Buy-Back ServiceWe make selling gold easy, safeand secure and for higher valueorders we may be able to offer aconvenient collection service fromyour registered address. Pleasecontact our Customer Services teamto discuss this in more detail.The Royal Mint offers you theflexibility to sell your gold, silverand platinum bullion coins and barsto us at competitive rates, basedon live market prices, regardlessof origin. We will gladly acceptenquiries regarding coins and barsfrom other mints and refineriesaround the world. Either send yourcoins and bars to The Royal Mintusing a track and trace deliveryservice or deliver in person to oneof our approved partners.123EnquireGet quoteCreate an account 456AuthenticationPaymentAll yours!BANK24
Account ManagementOur Account Management Service is available to private individuals lookingto invest 50,000 or more in precious metals. On hand to deliver a one-to-onepersonal service, your own dedicated Account Manager can assist by providingadditional bullion product and service information, enabling you to make betterinformed investment decisions.The advantages of using our AccountManagement Service include: Bespoke quotations Competitive rates on storage and sell-backs Help with product information and benefits Assistance with registration, funding and withdrawals Advance notification of new product releases Pre and post-sale support25
Live PricingOn our investment platform you can track live precious metal prices using yourPC, laptop, tablet or smartphone. Gold, silver and platinum prices are updated inreal-time throughout the day. During checkout you’ll have a 15-second windowto confirm you’re happy to proceed based on the price quoted.Invest with confidence knowing that you have access to competitive, clearprices, no matter which precious metal you’re looking to trade. And if you’relooking to sell, set up automated alerts to receive notifications when the spotprice moves beyond a certain point.26
Secure DeliveryWe offer free UK delivery on all of ourbullion coins and bars anywhere in theUnited Kingdom, including NorthernIreland, Highlands and Islands,Channel Islands and Isle of Man.For international orders, expectdelivery within 2-5 working daysafter despatch depending on thedestination. Delivery charges arecalculated on the destination, weightand size of the parcel(s).For orders under 250, please allow2-3 days for delivery after despatchfrom The Royal Mint. Orders over 250 will be delivered one workingday after despatch.These packages may be assessed forimport or customs fees. Customersmust comply with all laws andregulations of the destination country.27
Getting StartedOpening an account with The Royal Mint is free and only takes a few minutes.Step 1: RegisterVisit our registration page and enter your details.Next, select a username and password, along with asecurity question and answer. During registration weperform an ID check to ensure your details are correct.Step 2: Add credit to your accountBecause our products are priced using live-market rates,you need to pre-fund your account before purchase.You can add credit by bank transfer or with most UKdebit cards.Step 3: Invest in precious metalsYour purchase is eligible for free UK delivery or you canchoose to put eligible items in The Vault – our high-securitystorage facility – for an additional fee.Step 4: Sell your bullionWith digital precious metals or bullion stored in The Vault,simply log into your account and choose the sell option.For bullion in your possession, sell it back to us using ourbuy-back service.28
Commemorative CoinsAs well as bullion coins, The Royal Mint producesa range of commemorative coins struck ingold, silver and platinum. The superior finish isdesigned to appeal primarily to collectors whoplace greater value on the quality of numismaticart over and above the intrinsic value of theprecious metal contained within the coin.Commemorative coins mark anniversaries andevents celebrating almost every aspect of Britishhistory and culture, and also include flagshipreleases such as Britannia and The Sovereign.Historic coins from The Royal Mint offercollectors the opportunity to own a tangiblelink to the past – a small piece of history youcan literally hold in your hands. Sourced,authenticated and graded by our team ofexperts, buy with confidence knowing that allof the historic coins and themed sets we sell aregenuine and accurately described.29
Customer Testimonials“I get nothing but the bestcustomer service from theRoyal Mint bullion team.They are always friendlyand happy to help me withany queries I have about myaccount or specific products.“”I only buy Royal Mint bullionbecause I trust in the product Iget from them. The quality andthe service is always reliable andthat counts for a lot.”30
Kick start your investment journey todayOnlineroyalmint.com/investTelephone0345 600 5014Emailenquiries@royalmintbullion.comFollow Us@RoyalMintInvestThe Royal MintLlantrisantPontyclunCF72 8YTUnited KingdomBullion markets can be volatile and the value of bullion may fluctuate dependent on the market valueof precious metals. For full terms and conditions please visit: royalmint.com/disclaimer
When it comes to investing in precious metals, gold, silver and platinum bars are probably what most people think of. The most straightforward way to acquire precious metals, The Royal Mint offers bars in a range of different sizes from 1g throug
